How much corpus do I need to retire in India?

A common rule is 25–33x your annual expenses (the 3–4% withdrawal rule). With 6% post-retirement inflation and a 7% safe return, the perpetuity formula gives roughly 100x your monthly expenses. This calculator models both a practical drawdown and a conservative perpetuity target so you can see both numbers.

What is FIRE and how does this calculator help?

FIRE (Financial Independence, Retire Early) is a movement centred on saving and investing aggressively so your corpus can fund your lifestyle indefinitely. This calculator projects your corpus year by year, accounting for Indian inflation rates, dependent costs, tax, and your chosen asset allocation — then tells you whether your plan is on track.

What is the difference between the lifestyle corpus and the full corpus target?

The lifestyle (lean) corpus funds only your essential personal expenses in retirement — no dependents, no current debt. The full corpus additionally covers dependents and your current lifestyle spend. Hitting the lifestyle target first gives you a financial independence floor; the full target means no lifestyle change at all.

Does the calculator account for inflation in India?

Yes. Each expense category inflates at its own rate — general expenses at 6% p.a., healthcare at 8.5% (working years) and 14% (retirement), education at 10%, rent at a configurable rate, and insurance premiums at 14%. Asset returns are also scenario-adjusted (base / pessimistic).

Is this calculator free to use?

Yes, completely free. No account needed. Results stay in your browser and are never sent anywhere except the calculation API.

Financial Freedom Calculator India — FIRE & Retirement Corpus Planner

Profile

Your profile

Ages that drive the entire projection

Current age

Target freedom age

Life expectancy

Income

Income sources

Salary, business, freelance, rental — monthly or yearly

Total/mo: —

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Add all income streams. Set an individual annual growth rate for each source.

Source

Amount (monthly / yearly)

Growth %/yr

Expenses

Monthly expenses

Living costs by category — inflation applied automatically

Total/mo: —

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Choose monthly or yearly per category — school fees are often easier to enter yearly.

Category

Amount (monthly / yearly)

Inflation %/yr

Fixed obligations

Housing · Insurance · Debts

Total/mo: —

Your primary housing cost — rent, home loan EMI, or maintenance. Escalation applies annually.

Situation

Monthly rent / EMI / maintenance (₹)

Annual escalation (% per year)

Loan remaining years

Dependents (optional)

Dependents

Children, parents — living and education costs modelled separately

Total/mo: —

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Investments

Investments & savings buckets

Budget must balance: income = expenses + investments

Total/mo: —

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ROI is pre-filled with verified defaults. PPF & Sukanya Samriddhi capped at ₹1.5L/year by law.

Asset class

Existing corpus (₹)

Amount (monthly / yearly)

ROI %/yr

Employer contributions optional

Employer EPF — 12% of basic (added to EPF/PF bucket, tax-free) Employer NPS — 10% of basic (added to NPS bucket, tax-deductible u/s 80CCD(2))

EPF and NPS employer match are mutually exclusive.

Assets (optional)

Physical assets

Property, gold, art — net worth tracking only

Value: —

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Budget balance — income must equal expenses + investments

Income

—

Expenses

—

Investments

—

Unallocated (must be ₹0) —

Retirement planning

Spending preferences, corpus allocation & post-retirement income streams

Monthly budget in retirement (₹, today's money) Auto-filled from current expenses

Retirement healthcare (₹/month, today's money) Post-60 specialist visits, chronic care — inflated at 14%/yr

Projection scenario

Tax rate on withdrawals (%)

Emergency fund (months of expenses)

Corpus allocation in retirement

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Additional income streams in retirment (optional)

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Your projection

Your retirement outcome

—

sustains until

Corpus at retirement

—

Monthly draw

—

Savings rate

—

Two ways to measure readiness

Practical model

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Drawdown simulation

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Benchmark model

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Perpetuity formula

Requires corpus to generate income forever, never touching principal — an intentionally extreme benchmark.

Practical: corpus lasts to life expectancy —

Perpetuity benchmark (conservative target) —

Key insights

Assumed rates — not guaranteed: Returns and inflation figures are model defaults based on historical averages, used for illustrative modelling only. Past market performance does not guarantee future results. Equity 12% p.a. · Debt 7% p.a. · General inflation 6% p.a.

EarlyFi Financial Freedom Calculator is a financial planning tool for educational and illustrative purposes only. It does not constitute personalised investment advice, financial planning advice, or a recommendation to buy or sell any securities or financial products. All projections are based on assumed rates and the inputs you provide — actual outcomes will differ based on market conditions, inflation, tax laws, and your personal circumstances. EarlyFi is not a SEBI-registered Investment Adviser. Please consult a SEBI-registered Investment Adviser before making any financial decisions.